You've had too much cool aid.
The truth is we need to make stuff. If our manufaturing base here is sufficient to meet our needs with a slight excess then we are going to be a wealthy society. If not we will be poor.
Think of the heirarchy of needs. 1-Air, 2-Water, 3-Food, 4-Shelter, 5-Clothing, 6-Companionship, 7-Affirmation, 8-Love. The lack of each kills in the long term. For air this is approximatly 5 minutes, for love this is approximatly one generation. All these NEEDS must be met. Without farming we cannot meet need 3. Without manufacturing of some sort we cannot meet needs 4 and 5.
We need to rebuild our manufaturing base and stop trying to meet our needs by playing monetary shell games (The Service Economy!). Otherwise we will suffer the fate of every other empire (British, Roman,
Hey, I got that virus! Too bad it was a MS Windows virus. I don't do windows.
A MS Windows virus on a Linux system is a sad and pathetic thing.
Sure the banks were doing evil.
But the solution is not to help the people who got caught in the evil to continue to struggle under the overwhelming debt of homes they can't afford.
They'll all be far better off if they get the foreclosure out of the way and move to something that's actually in their price range.
They can't. The bankruptcy laws have been changed by the Bush administration and the Republican Congress back in '05 or '04 so that people can't use bankruptcy to get out of bad debts anymore. The people who are losing their homes are STLL saddled with all that debt, they just get a repayment schedule thats more affordable. The difference is now they will never be able to buy a house.
I've noticed several design suggestions in your code.